Système intelligence paiements

Réduisez les échecs de paiement et détectez les transactions à risque

Validez BIN, IBAN et SWIFT tout en croisant IP et pays de facturation avant le processeur.

Moteur

Moteur intelligence paiements

Validez les données financières et évaluez le risque en un appel. Signaux BIN, IBAN, SWIFT et IP composés automatiquement.

POST /v1/systems/payment/validate

Requête

{
  "card_bin": "424242",
  "iban": "DE89370400440532013000",
  "ip_address": "92.168.1.1",
  "billing_country": "DE"
}

Réponse

{
  "valid": true,
  "risk_score": 0.14,
  "country_mismatch": false,
  "bank": {
    "name": "Deutsche Bank",
    "country": "DE",
    "brand": "Visa"
  },
  "signals": {
    "bin_valid": true,
    "iban_valid": true,
    "ip_country": "DE",
    "billing_country": "DE"
  }
}

Les paiements échoués coûtent revenus et confiance. Le moteur intelligence paiements valide les données financières et évalue le risque transactionnel en un appel, en combinant signaux finance et réseau sans orchestration de votre part.

Référence API

Base URL: https://requiems.xyz

Vue d'ensemble

Cas d'utilisation

Validate card BIN, IBAN, and SWIFT data before submitting to a payment processor
Flag transactions where billing country mismatches IP geolocation
Verify financial identifiers during fintech onboarding flows
Reduce payment decline rates by pre-validating data before submission
Detect VPN and TOR use on high-value transactions

Fonctionnalités

BIN lookup with card scheme, type, level, and issuer details

IBAN format and checksum validation with bank code extraction

SWIFT/BIC code verification with institution and country

Cross-field consistency check flags mismatches between BIN, IBAN, and SWIFT countries

IP geolocation with VPN, proxy, and TOR detection for transaction risk

Risk score from 0.0 to 1.0 with named flags

Points de terminaison de l'API

Validate Payment

Validate and cross-check BIN, IBAN, and SWIFT identifiers in one call. Returns per-field results and a consistency check that flags country and bank mismatches.

POST

https://requiems.xyz/v1/systems/payment/validate

Paramètres

Nom	Type	Requis	Description
bin	`string`	Facultatif	Card BIN (first 6–8 digits). At least one of bin, iban, or swift is required.
iban	`string`	Facultatif	IBAN string to validate. Checksum and format are verified.
swift	`string`	Facultatif	SWIFT/BIC code to look up institution and country.

Essayez-le

Démo en direct

Requête

bin (string)

Card BIN (first 6–8 digits). At least one of bin, iban, or swift is required.

iban (string)

IBAN string to validate. Checksum and format are verified.

swift (string)

SWIFT/BIC code to look up institution and country.

Champs de réponse

Champ	Type	Description
bin	`object`	BIN result. Null when bin was not provided. Contains valid, scheme, card_type, card_level, country_code, issuer, prepaid, luhn_prefix_valid.
iban	`object`	IBAN result. Null when iban was not provided. Contains valid, country_code, bank_code, account_number.
swift	`object`	SWIFT result. Null when swift was not provided. Contains valid, institution, country, branch.
consistency.ok	`boolean`	True when no cross-field mismatches were detected
consistency.flags	`array<string>`	Mismatch flags. Possible values: country_mismatch_bin_iban, country_mismatch_bin_swift, country_mismatch_iban_swift, bank_mismatch_iban_swift

Exemples de code

curl -X POST https://requiems.xyz/v1/systems/payment/validate \
  -H "requiems-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "bin": "424242",
    "iban": "DE89370400440532013000",
    "swift": "DEUTDEDB"
  }'

import requests

response = requests.post(
    "https://requiems.xyz/v1/systems/payment/validate",
    headers={"requiems-api-key": "YOUR_API_KEY"},
    json={"bin": "424242", "iban": "DE89370400440532013000", "swift": "DEUTDEDB"}
)
data = response.json()["data"]

if not data["consistency"]["ok"]:
    print("Consistency flags:", data["consistency"]["flags"])
else:
    print("All identifiers consistent")

const { data } = await fetch('https://requiems.xyz/v1/systems/payment/validate', {
  method: 'POST',
  headers: { 'requiems-api-key': 'YOUR_API_KEY', 'Content-Type': 'application/json' },
  body: JSON.stringify({ bin: '424242', iban: 'DE89370400440532013000', swift: 'DEUTDEDB' })
}).then(r => r.json());

if (!data.consistency.ok) {
  console.warn('Mismatch detected:', data.consistency.flags);
}

require 'net/http'
require 'json'

uri = URI('https://requiems.xyz/v1/systems/payment/validate')
request = Net::HTTP::Post.new(uri)
request['requiems-api-key'] = 'YOUR_API_KEY'
request['Content-Type'] = 'application/json'
request.body = { bin: '424242', iban: 'DE89370400440532013000', swift: 'DEUTDEDB' }.to_json

response = Net::HTTP.start(uri.hostname, uri.port, use_ssl: true) { |h| h.request(request) }
data = JSON.parse(response.body)['data']
puts data['consistency']['ok'] ? 'Consistent' : data['consistency']['flags'].inspect

Réponses d'erreur

422

validation_failed

All of bin, iban, and swift were omitted. At least one is required.

401

unauthorized

Missing or invalid API key

Score Transaction Risk

Score a transaction for fraud risk by cross-checking the card BIN country against IP geolocation and billing country. Detects VPN, proxy, and TOR use.

POST

https://requiems.xyz/v1/systems/transaction/risk

Paramètres

Nom	Type	Requis	Description
card_bin	`string`	Requis	Card BIN (first 6–8 digits) to look up card issuing country.
ip_address	`string`	Requis	Customer's IPv4 or IPv6 address. Must be a valid IP.
billing_country	`string`	Facultatif	ISO 3166-1 alpha-2 billing country code. When provided, country mismatch checks are more precise.
amount_usd	`number`	Facultatif	Transaction amount in USD. High-value transactions via VPN incur an additional risk score boost.

Essayez-le

Démo en direct

Requête

card_bin * (string)

Card BIN (first 6–8 digits) to look up card issuing country.

ip_address * (string)

Customer's IPv4 or IPv6 address. Must be a valid IP.

billing_country (string)

ISO 3166-1 alpha-2 billing country code. When provided, country mismatch checks are more precise.

amount_usd (number)

Transaction amount in USD. High-value transactions via VPN incur an additional risk score boost.

Champs de réponse

Champ	Type	Description
risk_score	`number`	Transaction risk score from 0.0 to 1.0
is_safe	`boolean`	True when score is below 0.5 and no TOR or proxy detected
flags	`array<string>`	Triggered flags. Possible values: ip_country_mismatch, bin_country_mismatch, country_mismatch, vpn_detected, proxy_detected, tor_detected, high_value_vpn
signals.ip_country	`string`	Country code resolved from the IP address
signals.billing_country	`string`	Billing country provided in the request, or null if omitted
signals.bin_country	`string`	Country of the card issuer resolved from the BIN
signals.country_mismatch	`boolean`	True when any country comparison produced a mismatch

Exemples de code

curl -X POST https://requiems.xyz/v1/systems/transaction/risk \
  -H "requiems-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "card_bin": "424242",
    "ip_address": "92.168.1.1",
    "billing_country": "DE",
    "amount_usd": 250.00
  }'

import requests

response = requests.post(
    "https://requiems.xyz/v1/systems/transaction/risk",
    headers={"requiems-api-key": "YOUR_API_KEY"},
    json={
        "card_bin": "424242",
        "ip_address": "92.168.1.1",
        "billing_country": "DE",
        "amount_usd": 250.00
    }
)
data = response.json()["data"]
print(f"risk_score={data['risk_score']}, is_safe={data['is_safe']}")
if data["flags"]:
    print("Flags:", data["flags"])

const { data } = await fetch('https://requiems.xyz/v1/systems/transaction/risk', {
  method: 'POST',
  headers: { 'requiems-api-key': 'YOUR_API_KEY', 'Content-Type': 'application/json' },
  body: JSON.stringify({
    card_bin: '424242',
    ip_address: '92.168.1.1',
    billing_country: 'DE',
    amount_usd: 250.00
  })
}).then(r => r.json());

console.log(data.risk_score, data.is_safe, data.flags);

Réponses d'erreur

422

validation_failed

ip_address is not a valid IPv4 or IPv6 address, or card_bin is missing

401

unauthorized

Missing or invalid API key

Foire aux questions

Backend tout-en-un pour produits SaaS

Authentification, validation, détection de fraude, intelligence paiements et données mondiales, livrés via une API unifiée.

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Réduisez les échecs de paiement et détectez les transactions à risque

Moteur intelligence paiements

Référence API

Vue d'ensemble

Cas d'utilisation

Fonctionnalités

Points de terminaison de l'API

Validate Payment

Paramètres

Essayez-le

Requête

Réponse

Erreur

Champs de réponse

Exemples de code

Réponses d'erreur

Score Transaction Risk

Paramètres

Essayez-le

Requête

Réponse

Erreur

Champs de réponse

Exemples de code

Réponses d'erreur

Foire aux questions

Backend tout-en-un pour produits SaaS